SOFI · SoFi Technologies, Inc.
$18.91
+0.99 (+5.50%)
At close · Aug 21
Market Cap
$23.16B
Shares
1.29B
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$17.92
Open$18.92
Day$17.72–19.00
52W close$15.15–32.21
Avg vol 30d70.7M
Short int190.8M · 14.8% float · 2.2d
Short vol38%
Last earningsJul 29, 2026
DataJan 2021–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 28, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Neutral
Momentum
Weak
Sentiment
Neutral
Fundamentals
Fair
Quant / Vol
Very High
Market backdrop
VIX 16 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−13%
below
Price vs 50-day avg
+2%
above
RSI (14)
51
neutral
MACD trend
Positive
52-week position
16%
mid-range
Volume (OBV)
Bearish div.
distributing
Momentum
relative strength
1-month return
+8%
trailing
6-month return
+1%
trailing
YTD return
−32%
this year
Relative strength
−10%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $18 › 200d $21 — 200d above 50d
Institutional flow
Distributing
-2% holders QoQ · +128 funds added
Insider flow
Accumulating
Net +$229.9K over 90 days · 50% sells
Short interest
Rising
14.77% of float · ▲ +2.6% MoM · 2.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
931 holders — mid 3-yr range
Squeeze score
62
elevated · 0–100
Fundamentals
Revenue growth
+35%
Y/Y
EPS growth
0%
Y/Y
Valuation
P/E 36.6
rich
Balance sheet
$556.4M
net debt
Quant / Vol
risk profile
Volatility
57%
annualized · 1-yr
Max drawdown
−53%
past year
ATR
4.6%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 29, 2026
Adjusted EBITDA
· full year 2026
Non-GAAP
Initiated
$1.6B
Adjusted EBITDA margin
· full year 2026
Non-GAAP
Initiated
33% – 34%
Adjusted net income
· full year 2026
Non-GAAP
Initiated
$825M
Adjusted net revenue
· full year 2026
Non-GAAP
Initiated
$4.75B – $4.85B
Adjusted net income margin
· full year 2026
Non-GAAP
Initiated
17%
Effective tax rate
· full year 2026
Initiated
22%
Total members growth
· full year 2026
Initiated
at least 30%
Prior guidance
period ended
· from the 8-K filed Oct 28, 2025
Adjusted EPS
· full year 2025
$0.37
Guided vs delivered
· last 3 settled
GAAP EPS
full year 2025
guided $0.31
$0.39
Beat +25.8%
GAAP EPS
2024
guided $0.07 – $0.08
$0.39
Beat +420.0%
Revenue
full year of 2023
guided $2.05B – $2.07B
$2.12B
Beat +3.3%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−13%
Bearish
Price vs 50-day avg
+2%
Bullish
RSI (14)
51
Neutral
MACD trend
Positive
Bullish
52-week position
16%
Neutral
Volume (OBV)
Bearish div.
Bearish
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $18 › 200d $21 — 200d above 50d
Institutional flow
Distributing
-2% holders QoQ · +128 funds added
Insider flow
Accumulating
Net +$229.9K over 90 days · 50% sells
Short interest
Rising
14.77% of float · ▲ +2.6% MoM · 2.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
931 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $15
Now $18 · 16%
Range high $32
vs 200-day avg -13%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted contribution margin – Lending (non-GAAP) non-GAAP | 56% | the three months ended June 30, 2026 filing | +1.8% |
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| Contribution profit – Financial Services | $212.68M | the three months ended June 30, 2026 filing | — |
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| Financial Services total net revenue | $466.28M | FY2026 Q2 | +28.6% |
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| Loan platform fees | $140.9M | the second quarter of 2026 filing | — |
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| Personal loans originated on behalf of third parties | $3.1B | the second quarter of 2026 filing | — |
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| Technology Platform total enabled client accounts | 135M | the three months ended June 30, 2026 filing | -15.6% |
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| Technology Platform total net revenue | $84.51M | FY2026 Q2 | -23.1% |
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| Adjusted earnings per share – diluted (non-GAAP) non-GAAP | $0.24 | Six Months Ended June 30, 2026 | +60.0% |
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| Adjusted EBITDA (non-GAAP) non-GAAP | $697.72M | Six Months Ended June 30, 2026 | +51.9% |
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| Adjusted EBITDA margin non-GAAP | 30% | Three Months Ended June 30, 2026 | +3.4% |
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| Adjusted net revenue non-GAAP | $2.29B | Six Months Ended June 30, 2026 | — |
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| Adjusted net revenue (non-GAAP) non-GAAP | $2.29B | Six Months Ended June 30, 2026 | +40.8% |
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| Adjusted net revenue – Lending non-GAAP | $1.34B | Six Months Ended June 30, 2026 | +56.1% |
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| Adjusted noninterest income non-GAAP | $811.6M | Six Months Ended June 30, 2026 | +32.5% |
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| Adjusted noninterest income – Lending (non-GAAP) non-GAAP | $267.43M | Six Months Ended June 30, 2026 | +112.5% |
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| Common stock outstanding (as of period end) | 1.29B | June 30, 2026 | — |
| Contribution margin – Financial Services | 46% | Three Months Ended June 30, 2026 | -11.5% |
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| Contribution margin – Technology Platform | 14% | Three Months Ended June 30 | -53.3% |
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| Crypto | 388,336 | June 30 | — |
| Crypto products | 388K | second quarter | — |
| Home loan origination volume | $1.39B | Three Months Ended June 30 | — |
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| Home loans | 65,016 | as of June 30, 2026 | — |
| Home loans – Lending products | 65,016 | June 30 | — |
| Incremental adjusted contribution margin – Lending (non-GAAP) non-GAAP | 62% | Six Months Ended June 30, 2026 vs 2025 | +55.0% |
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| Incremental adjusted EBITDA margin (non-GAAP) non-GAAP | 36% | Six Months Ended June 30, 2026 vs 2025 | -7.7% |
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| Incremental adjusted net income margin (non-GAAP) non-GAAP | 24% | Six Months Ended June 30, 2026 vs 2025 | +71.4% |
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| Invest | 3,931,718 | June 30 | — |
| Net interest margin | 5.98% | Three Months Ended June 30, 2026 | +2.0% |
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| Personal loan origination volume | $10.72B | Three Months Ended June 30 | — |
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| Personal Loan originations | $10.7B | Three Months Ended June 30, 2026 | — |
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| Personal loans – Lending products | 2,325,262 | June 30 | — |
| Products Per Member | 1.54 | June 30, 2026 | — |
| Relay products | 8M | second quarter | +45.5% |
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| Rule of 40 score | 70 | Three Months Ended June 30, 2026 | — |
| SoFi Invest products | 3.9M | second quarter | +34.5% |
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| SoFi Money products | 7.9M | second quarter | +33.9% |
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| SoFi Plus | 206,000 | June 30 | — |
| SoFi Plus products | 206K | second quarter | — |
| Student loan origination volume | $2.69B | Three Months Ended June 30 | — |
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| Student loans | 703,081 | as of June 30, 2026 | — |
| Student loans – Lending products | 703,081 | June 30 | — |
| Total deposits | 45.5B | second quarter | — |
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| Total fee-based revenue | $472.3M | Three Months Ended June 30, 2026 | +25.1% |
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| Total Financial Services products | 21.3M | second quarter | +43.0% |
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| Total lending products | 3,093,359 | as of June 30, 2026 | +35.7% |
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| Total Loan Originations | $14.8B | Three Months Ended June 30, 2026 | +68.2% |
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| Unaided brand awareness | 10.4% | Three Months Ended June 30, 2026 | +22.4% |
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| Incremental adjusted EBITDA margin non-GAAP | 41% | the three months ended March 31, 2026 filing | — |
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| Adjusted noninterest income – Lending non-GAAP | $129.05M | Q1 FY2026 | +149.6% |
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| Contribution profit | $12M | the first quarter of 2026 | — |
| Contribution profit – Lending | $382.39M | the first quarter of 2026 | +60.0% |
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| Home loan originations | $1.2B | Q1 2026 | — |
| Lending products | 2.8M | Q1 2026 | — |
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| Members | 14.7M | Q1 FY2026 | +34.9% |
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| Origination volume – Home loans | $517.76M | the first quarter of 2026 | — |
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| Origination volume – Personal loans | $8.34B | the first quarter of 2026 | +50.6% |
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| Origination volume – Student loans | $1.19B | the first quarter of 2026 | — |
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| Student Loan originations | $2.6B | Q1 2026 | — |
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| Tangible book value per share non-GAAP | $7.21 | Q1 2026 | — |
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| Technology Platform enabled accounts | 133M | the first quarter of 2026 | — |
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| Total Accounts – Technology Platform | 133M | Q1 2026 | — |
| Total accounts – Technology Platform segment | 132.9M | Q1 FY2026 | — |
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| Total members | 14.7M | Q1 2026 | — |
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| Total Products | 22.2M | Q1 2026 | +39.6% |
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| Contribution margin – Lending (GAAP) | 55% | Year Ended December 31, 2025 filing | — |
| Adjusted net income (non-GAAP) non-GAAP | $481.32M | Year Ended December 31, 2025 | — |
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| Contribution profit – Technology Platform | 47.93M | Three Months Ended December 31, 2025 | — |
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| Incremental adjusted net income margin non-GAAP | 26% | Year Ended December 31, 2025 | — |
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| Loan Platform Business added to consolidated adjusted net revenue | 193.7M | Three Months Ended December 31, 2025 | — |
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| Origination volume – Total | 36.42B | Year Ended December 31, 2025 | — |
| Personal loans originated on behalf of third parties (Loan Platform Business) | 3.7B | Three Months Ended December 31, 2025 | — |
| SoFi Invest, excluding digital assets | 3,244,143 | December 31, 2025 | — |
| Total Products, excluding digital assets | 20,168,142 | December 31, 2025 | — |
| Total Products, excluding digital assets — Financial Services segment | 17,534,956 | December 31, 2025 | — |
| Loans sold or transferred through Loan Platform Business | 4.6B | the three months ended September 30, 2025 filing | — |
| Adjusted net income margin non-GAAP | 12% | Nine Months Ended September 30, 2025 | — |
| Annualized revenue per product | $104 | Q3 2025 | — |
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| Contribution profit – Lending (GAAP) | $745.25M | Nine Months Ended September 30, 2025 | — |
| Home equity loan originations | $352M | Q3 2025 | — |
| Home lending originations | $945M | Q3 2025 | — |
| Incremental contribution margin – Lending (GAAP) | 36% | Nine Months Ended September 30, 2025 | — |
| Loan Platform Business originations | $3.4B | Q3 2025 | — |
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| Loan Platform Business revenue | $167.9M | Q3 2025 | — |
| Origination volume | $25.93B | Nine Months Ended September 30, 2025 | — |
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| Personal loan annualized charge-off rate | 2.6% | Q3 2025 | -26.1% |
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| Tangible book value non-GAAP | $7.2B | Q3 2025 | — |
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| Technology Platform total accounts | 157.9M | Q3 2025 | — |
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| Average loan balance – Personal loans | $25,758 | As of June 30, 2025 | — |
| Average loan balance – Student loans | $44,165 | As of June 30, 2025 | — |
| Contribution margin – Lending | 55% | Q2 2025 | — |
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| Financial Services products | 14.9M | Q2 2025 | — |
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| New member additions | 850,000 | Q2 2025 | — |
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| New product additions | 1.26M | Q2 2025 | — |
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| Personal loan 90-day delinquency rate | 0.42% | Q2 2025 | — |
| Personal loan on-balance sheet 90 day delinquency rate | 42 | Three months ended June 30, 2025 | — |
| Personal loans origination volume | $6.97B | Three months ended June 30, 2025 | — |
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| Student loan on-balance sheet 90 day delinquency rate | 13 | Three months ended June 30, 2025 | — |
| Total enabled client accounts | 160,046,369 | As of June 30, 2025 | — |
| interchange fee revenue growth year-over-year | 90% | first quarter of 2025 filing | — |
| member deposit funds growth during the quarter | $2.2B | the quarter ended March 31, 2025 filing | — |
| member funds swept off balance sheet as part of Insured Deposit Program | $700M | the quarter ended March 31, 2025 filing | — |
| At Work | 119,886 | Three Months Ended March 31, 2025 | — |
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| Galileo Technology Platform enabled accounts | 158.4M | as described in the About SoFi section | — |
| Home loans products | 38,575 | March 31, 2025 | — |
| Personal loans products | 1,507,344 | March 31, 2025 | — |
| Relay | 5,094,484 | Three Months Ended March 31, 2025 | — |
| Student loans products | 583,914 | March 31, 2025 | — |
| Average net interest margin | 5.8% | the year ended December 31, 2024 filing | — |
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| Lending segment contribution profit | $890.5M | the year ended December 31, 2024 filing | +8.2% |
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| Financial Services contribution margin | 37% | FY2024 | — |
| Money | 5,094,785 | December 31, 2024 | — |
| Personal loan 90 day delinquency rate | 55 | the fourth quarter | — |
| Personal loans | 1,405,928 | December 31, 2024 | — |
| SoFi Relay products | 4.6M | Q4 FY2024 | — |
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| Noninterest income | $84.2M | the three months ended September 30, 2024 filing | — |
| Credit Card products | 264,937 | September 30, 2024 | — |
| Financial Services segment contribution margin | 42% | Q3 2024 | — |
| Lending segment contribution margin | 60% | Three Months Ended September 30, 2024 | +3.4% |
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| on-balance sheet 90 day personal loan delinquency rate | 57 | the third quarter of 2024 | — |
| Personal loan record originations | $4.9B | the third quarter of 2024 | — |
| Average loan balance – Home loans | $277,077 | Q2 2024 | — |
| Home loan volume | $336M | Q1 2024 | — |
| Point of sale debit transaction volume | $1.9B | first quarter of 2024 | — |
| Student loan volume | $752M | Q1 2024 | — |
| Weighted average conditional prepayment rate - Personal Loans | 24.7% | Q1 2024 | — |
| Weighted average conditional prepayment rate - Student Loans | 10.5% | Q1 2024 | — |
| Financial Services contribution profit (loss) | $0.3M | year ended December 31, 2023 filing | — |
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| At Work products | 87,035 | December 31, 2023 | — |
| Home loans average loan balance | $285,152 | As of December 31, 2023 | — |
| Home loans origination volume | $997.49M | Year Ended December 31, 2023 | — |
| Invest products | 2.4M | As of December 31, 2023 | — |
| Money products | 3.4M | As of December 31, 2023 | — |
| Personal loans average loan balance | $24,223 | As of December 31, 2023 | — |
| Referred loans products | 55,231 | December 31, 2023 | — |
| SoFi Bank, N.A. GAAP Net Income | $128.6M | Three Months Ended December 31, 2023 | — |
| Student loans average loan balance | $46,585 | As of December 31, 2023 | — |
| Student loans origination volume | $2.63B | Year Ended December 31, 2023 | — |
| Total origination volume | $17.43B | Year Ended December 31, 2023 | — |
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| Contribution Profit - Financial Services segment | $3.3M | Q3 2023 | — |
| New Member Adds | 717,000 | Q3 2023 | — |
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| New Product Adds | 1,047,000 | Q3 2023 | — |
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| Financial Services segment contribution loss | $4.3M | the three months ended June 30, 2023 filing | — |
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| Total Deposit Growth | 2.7B | second quarter 2023 | — |
| Average net interest margin – Lending | 5.48% | three months ended March 31, 2023 filing | — |
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| Credit Card | 193,236 | Q1 2023 | — |
| Referred loans | 44,586 | Q1 2023 | — |
| SoFi Bank GAAP net income | $30M | Q4 2022 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
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|---|---|---|---|---|---|
|
SOFI
this stock
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|
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|
COF
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|
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Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SOFI | -2.8% | +7.6% | +0.9% | +9.9% | -31.6% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -0.8% | +4.3% | -10.3% | +7.8% | -43.4% |
Key facts
CIK
1818874
CUSIP
83406F102
13F (30d)
782 filings
772 filers
Visit website
Investor relations